My Happy Money Journey: money for mid life women with Phoebe Blamey

S4 E24 How to Stop Overspending and Start Making Smarter Money Decisions

Think women are bad with money? Think again.
In this episode, we unpack the truth about spending habits, financial confidence, and why intelligent spending—not restriction—is the real key to taking control of your money.
If you’ve ever felt guilty after buying something, avoided checking your bank account, or swung between being overly frugal and overspending, you’re not alone. And more importantly—you’re not broken.
Phoebe shares real-life examples of how intentional spending works in practice, including how she saved over $300 on headphones and cut the cost of a 20-book series down to $40—without sacrificing quality or outcomes.
This episode introduces a simple but powerful 4-question framework to help you make smarter financial decisions on any purchase over $50. It’s practical, realistic, and designed for women who want to feel in control of their money again.
Because financial confidence doesn’t come from earning more—it comes from knowing how to decide.

S4 E23 The money conversations to have when things get too hard...

If you’re suddenly finding yourself pausing before you open your banking app, this episode will hit close to home.
Because the pressure is real right now,  rising costs, inconsistent income, tax debt, family responsibilities… it adds up. For most of us, it doesn’t explode overnight — it quietly builds until things feel tight, overwhelming, or just not sustainable anymore.
In this episode, Phoebe Blamey breaks down what’s actually happening beneath financial stress, especially for capable women who are used to handling everything.
We talk about why smart, successful women still end up in financial hardship… how fear and avoidance start to shape your decisions… and why confidence drops long before the numbers are fully out of control.
This isn’t a “budget better” conversation.
It’s a real look at how financial pressure builds — and more importantly, how to take back control without shame or panic.
You’ll learn how to recognise the early signs of financial stress, what’s really going on psychologically when you start avoiding money, and the exact conversations to have when things feel unmanageable — whether that’s with your partner, your lender, or the ATO.
If you’re dealing with tax debt, cash flow issues, or that constant background anxiety about money… this episode will help you step out of avoidance and into action.
Because you’re not failing.
You’re responding to pressure.
And once you understand that — you can change it.

S4 E22 You don't know what you don't know until you do!

You’re smart. Capable. Experienced. You run businesses, families, teams, and entire lives.
So why does the conversation about money still make you go quiet?
In this episode, Phoebe breaks down one of the biggest hidden issues facing women — not a lack of intelligence, but a lack of financial language. When you don’t fully understand money, you don’t lean in… you retreat. And that avoidance quietly costs you power, confidence, and control.
This is not about shame. This is about clarity.
Phoebe walks through six essential money concepts that most people think they “should” understand — but often don’t — and explains them in simple, real-world terms. More importantly, she unpacks how getting it wrong creates fear, and how fear leads to avoidance.
And why that cycle stops here.
Because money isn’t about being good or bad.It’s about understanding the rules — and deciding to learn them.

S4 E21 Who are you and what do you want?

If you’ve ever reached a point where you’re wondering what comes next, this conversation will help you reconnect with your own direction and start designing the next chapter intentionally.
In this episode of My Happy Money Journey, Phoebe explores why this question can feel so difficult — and why midlife is actually the most powerful moment to answer it.
You’ll learn how identity, motivation and even brain science influence the direction of your life. Phoebe breaks down powerful ideas from psychology explaining how clarity about your future changes the opportunities you see and the actions you take.
The episode also explores why intrinsic not extrinsic motivation is so powerful and why many women spend decades pursuing goals driven by expectations rather than personal meaning.
Most importantly, Phoebe explains why you don't need a million dollars but you do need clarity! Financial clarity creates agency  the ability to make decisions about your life without fear.
If you’ve ever reached a point where you’re wondering what comes next, this conversation will help you reconnect with your own direction and start designing the next chapter intentionally.

S4 E20 What do your next 10 years look like?

If nothing about your life changed financially in the next ten years…
Your income stayed the same.Your savings stayed the same.Your health stayed the same.
Would you feel calm about the future or worried?
In this episode, Phoebe Blamey explores why midlife may be the most powerful decade to reshape your financial future. With greater earning capacity, life experience, and clarity about what truly matters, women in their 40s and 50s are uniquely positioned to design the next chapter of their lives.
Rather than drifting through financial decisions, this episode looks at how women can move toward intentional wealth, financial independence, and lifestyle freedom.
Phoebe explains the three financial paths many people drift into — survival mode, comfortable but constrained, or intentional wealth — and how thoughtful planning can help you design a future with more choice and confidence.
You’ll also discover why financial planning alone isn’t enough. Health, strength, and energy are essential foundations for enjoying the wealth and freedom you’re building.
If you’re a woman navigating midlife, thinking about retirement planning, financial independence, or simply wanting more control over your money and your future, this episode will help you start designing the next ten years intentionally.

S4_E19 How to Handle Financial Uncertainty After a Major Decision

Making a major life change is hard enough.
But what happens when the world shifts underneath you after you’ve already made the decision?
You leave the job.Start the business.End the relationship.Invest in something new.
And then suddenly the economy changes, interest rates move, the news cycle fills with fear, and everything starts to feel uncertain.
In this episode of My Happy Money Journey, Phoebe Blamey explores what happens when personal change collides with external uncertainty — and why so many people lose confidence at exactly the moment they need it most.
Drawing on her own experience leaving a high-earning corporate job just weeks before the Global Financial Crisis, Phoebe explains why uncertainty can destabilise even the most thoughtful decisions and how to stay grounded when things feel shaky.
Because the truth is this: uncertainty doesn’t mean you made the wrong decision.
It simply means you’re in the messy middle of change.
Phoebe shares a practical five-step framework for navigating uncertainty, helping you move forward with clarity rather than panic.

S4 E18 Petrol Price Panic - how to stay financially calm in this crisis

Petrol prices have suddenly become one of the most talked-about topics in Australia.
You fill up the car, watch the numbers climb, and suddenly the conversation shifts from fuel to something much bigger; financial uncertainty.
In this episode of My Happy Money Journey, Phoebe Blamey explores why rising petrol prices are triggering such strong emotional reaction from so many people, but also and how financial anxiety spreads through communities long before the economic data changes.
Drawing on behavioural economics and real-world examples, Phoebe explains why women often report higher financial stress during periods of economic uncertainty because they are managing more moving parts at once.
When costs rise, those margins feel tighter.
But panic isn’t the answer.
Instead of reacting from scarcity, Phoebe shares how small, practical financial habits can restore calm and control when the cost of living rises.
From simple transport decisions to understanding fixed versus flexible spending, this episode is about responding thoughtfully to economic uncertainty rather than spiralling into financial fear.
Because financial confidence doesn’t come from controlling the world.
It comes from knowing how to respond when the world changes.

S4 E17 The Financial Reset Every Woman Should Do at 45 (or ASAP)

Something shifts around midlife.
You wake up one day and realise this is no longer just about earning money, paying the bills, and keeping all the plates spinning. It becomes about something deeper: how prepared you really are for the next stage of life.
In this episode, Phoebe talks about the financial reset so many women need from around 45 onwards. Because by midlife, life no longer looks the same for all of us. Some women are still paying school fees. Some are becoming grandmothers. Some are supporting elderly parents. Some are rebuilding after divorce. Some are starting businesses, going back to study, renovating, investing, or trying to work out how to do all of it without wrecking their retirement.
This episode is about getting intentional.
Phoebe explores why midlife is not too late to build wealth, why many women feel financially unsettled at this stage, and how to start thinking about money in a more strategic way. She breaks down the difference between lifestyle money, project money, and future money, and explains how separating those pools can completely change the way you fund your life.
If you’ve been asking yourself whether you can still afford the next chapter of your life — whether that’s education, business, retirement, travel, a renovation, or simply more security — this episode will help you think about your money differently.

S4 E16 High income but no money? Here is the solution!

You can earn $200,000 a year and still feel financially insecure. In this episode, Phoebe Blamey explores why high-earning women often feel anxious about money despite successful careers and strong incomes.
The problem usually isn’t income. It’s the gap between earning money and building wealth.
Phoebe breaks down the hidden reasons many successful women feel like they are “winging it” financially, including lifestyle creep, invisible financial anxiety, and the lack of clear wealth systems.
She then shares five powerful shifts that help turn a well-paid woman into a genuinely wealthy one - from understanding your net worth to building financial architecture, investing earlier, learning the mechanics of wealth, and thinking long-term about financial freedom.
If you’re earning good money but still feel like everything depends on your next paycheck, this episode will help you move from financial uncertainty to intentional wealth building.

S4 E15 Are we rich yet? How do we measure enough?

What does “enough” money actually look like?
Most people never answer that question. Instead, the financial goalpost keeps moving — $80K becomes $150K, $150K becomes $300K, and suddenly a million dollars feels like the only way to feel secure.
In this episode of My Happy Money Journey, Phoebe explores the psychology of money, happiness, and financial security, and why earning more doesn’t always create the sense of wealth we expect.
Drawing on research from behavioural economics, Phoebe explains how income improves wellbeing when it removes financial stress, but after a certain point the emotional return from earning more becomes much smaller.
So if more money isn’t the full answer, what actually defines wealth?
Phoebe introduces three powerful layers that help define what “enough” really means:
Security – having the financial stability, assets, and buffer that protect your life when things wobble.Freedom – reaching the point where work becomes a choice, not a necessity.Impact – using money to support family, community, and causes that matter to you.
The conversation also explores key Australian realities around superannuation, retirement planning, home ownership, and financial security for women, including why women over 55 are the fastest-growing group at risk of homelessness — and how defining your version of wealth can change your financial future.
If you’ve ever wondered whether you’re doing well financially, or what your version of wealth should actually look like, this episode will help you rethink money in a much calmer and more empowering way.
Because the real goal isn’t endlessly chasing more income.
It’s building a life where your money supports the life you truly want to live.